After the initial dispute is over the account may still have the account disputed narrative however the negatives are again factored in, it appears that HUD finally has caught on and is going to give consumers a break.  Here are the new changes by HUD

With the recent changes by HUD regarding disputed accounts our investors are now adhering to those changes.  Therefore, an exception is no longer necessary on those FHA loans with disputed accounts as long as one of the following parameters is met:

• The disputed account must have a zero balance
• The disputed account is marked as “paid in full” or “resolved”
• The disputed account is both:
  • Less than $500 AND
  • More than 24 months old

There is more to this with manual underwrite requirements however if you have any questions regarding this the strategies used to combat this Account in Dispute issue please contact our staff at Credit Solution Group, chosen the Best Credit Repair Service.

E – Electronic
O – Online
S – Solution
C – Complete
A – Accurate
R – Reporting

With documented research showing they are not accurate 79% of the time, I am sure you see the humor.

Unfortunately you may not feel like this is too funny if you are one of the victims of their systematic errors.

E-OSCAR helps the credit bureaus process credit disputes with more efficiency but not more accuracy.

The system in itself allows features like BATCH updating, with an individual investigation required on all accounts there is no need for this feature.

With the amount of incorrect, inaccurate, or untimely information being reported I am sure this is a favorite key of many.

Keep an eye out for more on the monster we know as e-OSCAR

Do you think they also have thousands of employees to entertain each dispute and decide on an action to it? Nope! Otherwise the company will be spending money just to deal with the disputes alone.

So how do they get around this? Well, they employ a high technological program to do the monotonous job of reading and responding letters. This is called Optical Character Recognition or OCR.

OCR is the name of a certain computer’s programs  ability to read letters, understand the contents and choose an appropriate reply or action based on a programmed set of conditions. Isn’t this amazing?

Computers can now do the things that only humans used to be able to perform. On the other hand, questions about this piece of technology should arise regarding its accuracy.

How does OCR affect a dispute? Can we really trust the system? Does it make a lot of mistakes? What happens to my dispute if it can’t be read by the OCR computers? How does it benefit us, the consumers? I also asked these questions the first time I heard about this. Now, I know the truth is that it only helps the credit bureaus profits.

It is true that computers can do a lot nowadays, but there are still a number of things that can’t be resolved through predetermined solutions. Although reasons for disputes can be common, every credit disputes still requires an individual investigation according to law.

This automation that the credit bureaus use only helps them be more efficient and more profitable.  Using OCR is like allowing the machine to make decisions that might create a negative impact on our lives? Does that seem legal? An individual investigation done  automatically?

The Credit Bureaus use systems  like OCR and E-OSCAR to speed up the process if disputes, and even turn the credit dispute into a profit center.

When looking to correct your credit report it is important to understand the systems you are up against. You must also know how to beat the systems the credit bureaus set up to get your disputes processed by human hands.

Now, for sure you are asking how you can get your dispute letter hand-reviewed. There are well-guarded tactics that can make this possible. To know more about this, please leave enter your name and email in the form located on our home page at www.CreditSolutionGroup.com then schedule your free credit consultation for more detail on how to beat the credit bureaus.

Who is the enemy? The BIG bad credit bureaus want you to think you are stuck for 7 years, even longer, or you just give up.

Nothing could be further from the truth because most times when you file bankruptcy your credit score WILL INCREASE.

Yes you read that correctly, your credit score will actually go up.  This happens because all the bad debt, late payments, and charge-offs stop updating.

When filed and reported correctly a consumer can file bankruptcy, have it discharged, then pull their credit to discover a mid 600 FICO credit score.

This is done by strategically planning the filing with some pre-filing foundations and using the right knowledgeable bankruptcy attorney to complete the process.

I was invited on NBC to discuss credit and bankruptcy on the hit morning show the morning blend. Just search Shane Kelbel Morning Blend.

As the TV credit expert chosen again, I am sure you want this kind of knowledge working for you on your side.

Fox 6 has Featured me Shane Kelbel the President of Credit Solution Group, time after time on the topic of credit.

I really enjoy the opportunity to educate consumers about this unfair credit system we are stuck inside.

With defaults up and risk levels seriously reviewed prior to granting loans our credit system is not going away.

Since we know it is here to stay the only sensible choice is to figure out how to control the system to our benefit.

Fox 6 News promotes this education because they understand the need for the correct guidance to be given.

There were multiple fields that were compared when choosing the best company. With any important decision in your life you want to be educated prior to deciding.

Choosing the right service to repair your credit is a key factor in the level of success that you may have. If you select the wrong service this can be the difference between improving your credit and causing further damage.

Credit Solution Group is the ONLY company in Wisconsin that is recommended by the Ethical Credit Repair Alliance. You can visit their website at ECRAonline.org to find out more about the strict requirements to be a recommended credit repair service.

Credit Solution Group proudly displays the badge of honor as a Ethical Credit Repair Alliance recommended company.

This site provides information into the background of many credit repair services along with some important things to consider.

Credit Solution Group was selected as the best credit repair service in the country by this review site which was a humbling award.

At Credit Solution Group our focus is to do everything with the consumers best interest in mind which produces life changing results.

You are seeing  me Shane Kelbel the President of Credit Solution Group popping up on different T.V. stations as the go to Credit Expert of choice.

I have now been featured on Fox 6 numerous times along with NBC channel for a number of times looking for my in depth knowledge on credit.

Why is this important to you, if the people who research for the experts advice choose me Shane Kelbel then this should be a good hint on who you should choose as well.

Let me first explain where this propaganda comes from, the credit bureaus. Why would the credit bureaus want to stop you from fixing your credit?

Great question, glad you asked.

It is simple but very scary, the reason is a consumer with poor credit is more profitable for them. So these billion dollar for profit companies we know as the credit bureaus dump millions of dollars into lobbyist pockets and poof, their deceptive plan is in play.

If credit repair did not work why do the credit bureaus themselves provide you a way (very ineffective and one sided o help them) to repair your credit?

Reality is daily we help consumers correct their credit reports which results in an overall life improvement. However it is critical that before you hire some fly by night company or some self proclaimed credit expert to help you with the life altering process that you do your research.

I invite you to research me Shane Kelbel (most company Presidents hide because they do not want anyone to know they are behind the poor service) and more importantly research Credit Solution Group.

You can see some of the life changing credit repair results we continue to achieve for our clients.  Better yet, list here to our clients tell you in their own words how our service has helped them.

All I ask is that you do your research before hiring someone to fix your credit, I am confident that if you do we will be able to post your life changing results next.